Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$180,155Cash toward the purchase price.
Closing costs + prepaids$13,279Not just lender fees.
Before credits & paid funds$193,434The complete starting cash picture.
Estimated remaining funds due at closing
$193,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,155.25
Your down payment$180,155.25
Closing costs + prepaids$13,278.66
Total buyer cash needed$193,433.90
Remaining funds due$193,433.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,439.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,193.50
Prepaid interest, first (22 days)$497.93
Fees + prepaids$13,278.66
Your down payment is the seller’s equity. You take over the $287,845 balance, so the rest of the $468,000 price is paid at closing. A second mortgage can cover part of it. $193,433.90 is due at closing. Uses and sources reconcile at $481,278.66 each. Not a Closing Disclosure.